Services

Mortgage & Loan Documentation Advice

Dean Michael Solicitors provides clear, practical advice on mortgage and loan documentation for borrowers, lenders, and guarantors. We assist clients to understand what they are signing, identify key risks, and ensure documents are properly prepared and executed.

Contact Us

Independent Legal Advice (ILA) for Guarantors

We provide independent legal advice for guarantors, including where a bank or lender requires a solicitor’s confirmation that advice has been given.

Our guarantor advice can include:

• explaining the guarantee and indemnity terms and the extent of liability
• outlining when and how a guarantor may become liable (including default scenarios)
• discussing key risks (including unlimited guarantees, continuing guarantees, and enforcement rights)
• reviewing the supporting loan and security documents to explain practical impact on the guarantor
• guidance on execution requirements and witnessing

Loan Agreements (Private, Related-Party and Commercial)

We can assist with preparing and reviewing loan documents, including:

• loan agreements (short form or detailed)
• repayment schedules and interest provisions
• default clauses and enforcement provisions
• variations, extensions, and refinancing documentation

Mortgage and Security Documentation

We assist with advice on security documents, including:

• mortgages and related security arrangements including caveats and charges
• guarantees (including cross-guarantees where applicable)
• supporting documents required to complete the transaction

Review and Advice Before Signing

We provide document review services to help clients understand:

• key commercial terms and obligations
• rights and remedies on default
• events that may trigger enforcement
• practical risks and options to renegotiate terms

Enquiries

To book an appointment please contact our office by phone on (02) 4441 5916 or email admin@deanmichaelsolicitors.com.au and provide:

• the draft loan, mortgage, and/or guarantee documents (if available)
• the names of the parties and the purpose of the loan
• any relevant timeframes or signing deadlines.